Specialist Commercial Underwriting

Insurance Risk Solutions
Built for the Motor Trade

A dedicated risk partner providing comprehensive protection for South Africa's automotive industry. Specialized cover for specialized businesses.

Get a Quote Online

Fast Claims Support

Specialist Underwriters

Tailored Motor Trade Cover

South African Industry Experts

R500M+

Claims Successfully Processed

Partners

Santam

Renasa

XL Transit

Senate

Old Mutual Insure

R500M+

Claims Paid Out

Fast Track Process

2.4k+

Active Members

Industry Professionals

4.9/5

Google Rating

Verified Reviews

100%

Specialist Focus

Motor Trade Only

Sectors of Expertise

Trades We Cover

Our specialist underwriting supports a wide spectrum of automotive businesses, providing precision-engineered risk solutions.

Fuel Retailers

Specialized cover for forecourts, convenience stores, and fuel-related liabilities.

Motor Dealerships

Comprehensive protection for vehicle showrooms, including stock, demonstrations, and sales operations.

Workshop & Repairs

Liability and asset protection for mechanical repair centers and service facilities.

Tyre Fitment Centres

Dedicated cover for tyre fitment, balancing, and alignment specialty businesses.

Towing & Recovery

Specialized transit and recovery liability for professional towing operations.

Panel Beaters

Broad protection for auto body repairers, including paint shops and structural restoration.

Auto Electricians

Technical risk coverage for specialized electrical diagnostics and repair work.

Vehicle Tracking Installers

Liability solutions for the installation and maintenance of security and tracking systems.

Car Wash & Valet

Protection for detailing businesses handling customer vehicles and water-related risks.

Roadworthy Centres

Specialist cover for certified testing stations and regulatory compliance risks.

Battery Centres

Dedicated insurance for battery sales, fitment, and specialized testing environments.

Vehicle Locksmiths

Liability and professional indemnity for mobile and site-based automotive locksmiths.

Vehicle Auctioneers

Comprehensive cover for high-volume vehicle storage, handling, and public auction events.

Specialized Liabilities

Universal Cover Often
Misses the Detail.

We address specific vulnerabilities — like defective workmanship and unaccompanied test drives — that general commercial policies often exclude.

Motor Traders Internal Risks

Customer and stock vehicles at the insured premises.

Motor Traders External Risks

Customer and stock vehicles driven away from the premises.

Road Risk Insurance

Authorised road tests, collections and deliveries.

Customer Vehicle Cover

Vehicles accepted into your care, custody or control.

Technical Underwriting

Our team understands the mechanics of your business, not just the numbers on the page.

Defective Workmanship Cover

Unaccompanied Test Drives

Demonstration Vehicles

Vehicle Stock Insurance

Vehicle Transit Insurance

Towing Goods in Transit

Workshop Public Liability

Business Interruption

Efficiency at Scale

Streamlined Protection Process

Request a Quote

Submit our simple online form or call our desk directly to start your risk assessment.

Step 01

Speak to a Specialist

Dedicated underwriters who know your industry will contact you to verify specific nuances.

Step 02

Tailored Risk Assessment

We analyze your specific stock profiles, transit volume, and liability exposure.

Step 03

Get Covered

Instant activation and digital certificates of insurance for your business.

Step 04

SA Specialist Support

Need to register a claim?

Our dedicated claims specialists understand that downtime in the motor industry costs money. We prioritize speed and technical accuracy.

Verified Performance

Trusted by South Africa's
Motor Trade Leaders

"MotorTradeRisk Specialists understood our demonstration drive risks better than any general insurer. The claims process is remarkably fast."

John Engelbrecht

Owner, Premium Motors

"The defective workmanship cover gives us true peace of mind. Their risk advisors actually visited our site to tailor our plan."

Sarah Mbeki

General Manager, City Workshops

"Their transit cover is the best in the industry. As a towing operator, I wouldn't trust anyone else with our recovery liability."

Danie van Wyk

Proprietor, Roadside Rescue

Frequently Asked Questions

Clear answers for professional motor trade underwriting.

Motor Trade Insurance is a broad policy designed for businesses involved in the automotive industry. It covers vehicles owned by the business, customer vehicles in their care, public liability, premises damage, and specialized risks like defective workmanship.

Yes, our policies specifically include Customer Vehicle Liability, which protects you if a customer's vehicle is damaged while under your care, custody, or control.

Absolutely. We understand that mistakes can happen. Our specialist defective workmanship cover protects you against claims arising from parts fitted or work performed on a customer's vehicle.

Yes, we have dedicated products for towing and recovery operators, including 'Vehicle in Transit' cover and loading/unloading liability.

Yes, we provide scalable solutions for single-showroom operations up to large national dealership networks with multiple branches across South Africa.

Business Interruption can be included as a critical add-on, ensuring your operational costs are covered if your business cannot operate due to an insured peril like fire or flood.

Connect with Specialists

Secure a Tailored
Motor Trade Quote

Consult with our underwriting experts to build a risk profile that accurately reflects your business operations and asset value.

Main Desk

+27 (0) 87 655 0525

Fast-Track Line

+27 (83) 575 6352

Regulatory Compliance

Your data is secured using enterprise-grade encryption. Regulated by the FSCA.

Request an Assessment

Response time typically under 2 business hours.

Insurance Risk Solutions Built for the Motor Trade